CPTwin.easy or CPTwin.win — Appenzell Ausserrhoden
Appenzell Ausserrhoden: with KPT, CPTwin.easy costs CHF 467.70 a month in 2026 and CPTwin.win CHF 495.30, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
CPTwin.easy is the cheaper of the two here: CHF 331.20 saved per year against CPTwin.win, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
CPTwin.easy is a "Telemedicine and others" model. CPTwin.win is a "Family doctor" model.
- CPTwin.easy
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
- CPTwin.win
Family doctor
You pick a family doctor and always go to them first.
The price at every deductible
| Deductible | CPTwin.easy | CPTwin.win | Gap per year |
|---|---|---|---|
| 300 | CHF 467.70 | CHF 495.30 | CHF 331.20 |
| 500 | CHF 456.10 | CHF 483.70 | CHF 331.20 |
| 1'000 | CHF 426.90 | CHF 454.50 | CHF 331.20 |
| 1'500 | CHF 397.70 | CHF 425.30 | CHF 331.20 |
| 2'500 | CHF 339.40 | CHF 367.00 | CHF 331.20 |
The comparison, region by region
- CPTwin.easy or CPTwin.win?
- Aargau
- Appenzell Innerrhoden
- Bern — Region 1
- Bern — Region 2
- Bern — Region 3
- Basel-Landschaft — Region 1
- Basel-Landschaft — Region 2
- Basel-Stadt
- Fribourg — Region 1
- Fribourg — Region 2
- Geneva
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
- Ticino — Region 1
- Ticino — Region 2
- Uri
- Vaud — Region 1
- Vaud — Region 2
- Valais — Region 1
- Valais — Region 2
- Zug
- Zurich — Region 1
- Zurich — Region 2
An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.
Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.